:root{--ink:#14261E;--deep:#093F2A;--green:#0E5A3C;--lime:#8CD867;--lime-d:#79C455;--mint:#EAF5EF;--line:#DCE8E1;--muted:#4F6057;--pale:#CFE8DB;--white:#fff;--radius:14px;--wrap:1180px;--f-body:'Inter',system-ui,-apple-system,'Segoe UI',Roboto,Arial,sans-serif;--f-head:'Sora','Inter',system-ui,sans-serif}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--f-body);font-size:17px;color:var(--ink);background:var(--white);line-height:1.68}
img{max-width:100%;height:auto;display:block}
h1,h2,h3,h4{font-family:var(--f-head);letter-spacing:-.01em;line-height:1.2}
a{color:var(--green)}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-9999px;top:0;background:var(--lime);color:var(--deep);padding:10px 16px;font-weight:700;z-index:200}
.skip:focus{left:8px;top:8px}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--lime);color:var(--deep);font-weight:700;font-size:16px;padding:14px 26px;text-decoration:none;border-radius:100px;border:2px solid var(--lime);line-height:1.2;text-align:center}
.btn:hover,.btn:focus-visible{background:var(--lime-d);border-color:var(--lime-d)}
.btn-dark{background:var(--deep);color:var(--white);border-color:var(--deep)}
.btn-dark:hover,.btn-dark:focus-visible{background:var(--green);border-color:var(--green)}
.btn-ghost{background:transparent;color:var(--white);border-color:rgba(255,255,255,.55)}
.btn-ghost:hover,.btn-ghost:focus-visible{background:rgba(255,255,255,.12);border-color:var(--white)}
.btn-sm{font-size:14px;padding:10px 20px}
/* topbar */
.topbar{background:var(--deep);color:var(--pale);font-size:14px;padding:9px 0}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.topbar a{color:var(--lime);font-weight:700;text-decoration:none}
/* header */
.site-header{background:var(--white);box-shadow:0 1px 0 var(--line);position:relative;z-index:60}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:78px;gap:16px}
.logo-link{display:flex;align-items:center;flex:0 0 auto}
.logo-link img{width:232px;height:44px}
.navlist{list-style:none;display:flex;align-items:center;gap:6px}
.navlist>li{position:relative}
.navlist>li>a,.navlist>li>button{font:600 15px var(--f-body);color:var(--ink);text-decoration:none;padding:10px 12px;background:none;border:0;cursor:pointer;display:inline-flex;align-items:center;gap:5px;border-radius:8px}
.navlist>li>a:hover,.navlist>li>button:hover,.navlist>li:focus-within>button{color:var(--green);background:var(--mint)}
.navlist .caret{font-size:10px}
.dropmenu{list-style:none;position:absolute;top:100%;left:0;background:var(--white);border:1px solid var(--line);border-radius:var(--radius);box-shadow:0 18px 40px rgba(9,63,42,.16);padding:18px;display:none;z-index:70;width:max-content}
.navlist>li:hover>.dropmenu,.navlist>li:focus-within>.dropmenu{display:block}
.dropmenu.wide{display:none;grid-template-columns:repeat(3,230px);gap:6px 26px;left:50%;transform:translateX(-62%)}
.navlist>li:hover>.dropmenu.wide,.navlist>li:focus-within>.dropmenu.wide{display:grid}
.dropmenu li{list-style:none}
.dropmenu .dh{font:700 12px var(--f-head);text-transform:uppercase;letter-spacing:.08em;color:var(--green);margin:6px 0 4px;display:block}
.dropmenu a{display:block;padding:5px 0;color:var(--ink);text-decoration:none;font-size:14.5px;font-weight:500;line-height:1.35}
.dropmenu a:hover{color:var(--green);text-decoration:underline}
.dropmenu.narrow{min-width:220px}
.menu-toggle{display:none;background:var(--mint);border:1px solid var(--line);border-radius:10px;width:46px;height:46px;cursor:pointer;align-items:center;justify-content:center;flex-direction:column;gap:5px;flex:0 0 auto}
.menu-toggle span{display:block;width:22px;height:2px;background:var(--deep);border-radius:2px}
.mobile-menu{display:none;background:var(--white);border-top:1px solid var(--line);max-height:calc(100vh - 120px);overflow-y:auto}
.mobile-menu.open{display:block}
.mobile-menu .wrap{display:block;height:auto;padding-top:14px;padding-bottom:20px}
.mobile-menu .mm-head{font-size:12px;text-transform:uppercase;letter-spacing:.08em;color:var(--green);margin:16px 0 6px}
.mobile-menu ul{list-style:none}
.mobile-menu a{display:block;padding:9px 0;color:var(--ink);text-decoration:none;font-weight:600;font-size:16px;border-bottom:1px solid var(--line)}
.mobile-menu .btn{margin-top:16px;width:100%;border-bottom:2px solid var(--lime)}
/* hero and pageheads */
.hero,.pagehead{position:relative;isolation:isolate;overflow:hidden;color:var(--white);background:linear-gradient(135deg,var(--deep) 0%,#0B4A32 55%,var(--green) 100%)}
.hero{padding:76px 0 70px}
.pagehead{padding:54px 0 50px}
.hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.has-hero:before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(100deg,rgba(9,63,42,.92) 0%,rgba(9,63,42,.78) 48%,rgba(9,63,42,.5) 100%)}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.hero h1{font-size:46px;margin-bottom:16px}
.hero h1 span{color:var(--lime)}
.hero p.lead{font-size:18px;color:var(--pale);max-width:520px;margin-bottom:24px}
.pagehead h1{font-size:38px;max-width:820px;margin-bottom:12px}
.pagehead p.lead{font-size:18px;color:var(--pale);max-width:700px;margin-bottom:22px}
.badge{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.14);color:var(--white);font-weight:700;font-size:13.5px;padding:7px 15px;border-radius:100px;margin-bottom:16px;border:1px solid rgba(255,255,255,.28)}
.badge:before{content:"";width:9px;height:9px;border-radius:50%;background:var(--lime)}
.badge-alt{background:var(--lime);color:var(--deep);border-color:var(--lime)}
.badge-alt:before{background:var(--deep)}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:20px}
.trustrow{display:flex;gap:10px 22px;flex-wrap:wrap;color:var(--pale);font-size:14px;font-weight:600;list-style:none}
.trustrow li:before{content:"\2713\00a0";color:var(--lime)}
.crumbs{font-size:13.5px;color:var(--pale);margin-bottom:14px}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:4px 8px}
.crumbs li+li:before{content:"/";margin-right:8px;opacity:.6}
.crumbs a{color:var(--pale);text-decoration:underline}
.zips{display:flex;gap:8px;flex-wrap:wrap;margin:4px 0 18px}
.zip-chip{background:var(--white);color:var(--deep);font-weight:700;font-size:14px;padding:5px 14px;border-radius:100px}
.statpanel{background:rgba(9,63,42,.82);border:1px solid rgba(255,255,255,.18);border-radius:var(--radius);padding:26px 28px;backdrop-filter:blur(3px)}
.statpanel h2{font-size:15px;color:var(--pale);margin-bottom:12px;font-weight:600}
.strow{display:flex;justify-content:space-between;gap:16px;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.16);font-size:15px}
.strow:last-child{border-bottom:0}
.strow b{color:var(--lime);font-family:var(--f-head);font-size:16px;text-align:right}
/* strip + emergency band */
.strip{background:var(--mint);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.strip .wrap{display:flex;justify-content:space-between;padding:16px 24px;flex-wrap:wrap;gap:10px 22px;list-style:none}
.strip li{display:flex;align-items:center;gap:9px;font-weight:700;font-size:14.5px;color:var(--deep)}
.strip li:before{content:"\2713";color:var(--green);font-weight:800}
.emergency{background:var(--lime);color:var(--deep);padding:22px 0}
.emergency .wrap{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:14px}
.emergency h2{font-size:22px}
.emergency p{font-size:15px}
.emergency .btn{background:var(--deep);color:var(--white);border-color:var(--deep)}
/* sections */
.sec{padding:72px 0;background:var(--white)}
.sec.alt{background:var(--mint)}
.kick{color:var(--deep);font-weight:700;font-size:13px;letter-spacing:.1em;text-transform:uppercase}
.sec h2.sech{font-size:34px;margin:10px 0 28px}
.sec p.intro{max-width:760px;color:var(--muted);margin:-12px 0 28px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.card h3{font-size:18px;margin-bottom:8px}
.card p{font-size:15px;color:var(--muted);margin-bottom:10px}
.card a.more{font-weight:700;font-size:15px;text-decoration:none}
.card a.more:hover{text-decoration:underline}
.card .icon{width:46px;height:46px;background:var(--mint);border-radius:12px;display:flex;align-items:center;justify-content:center;margin-bottom:12px}
.card .icon svg{width:24px;height:24px}
.sec.alt .card{background:var(--white)}
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.whycard{background:var(--white);border-radius:var(--radius);padding:24px;text-align:center;border:1px solid var(--line)}
.whycard .num{width:44px;height:44px;background:var(--green);color:var(--white);border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:var(--f-head);font-weight:700;margin:0 auto 14px;font-size:18px}
.whycard h3{font-size:17px;margin-bottom:6px}
.whycard p{font-size:15px;color:var(--muted)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative;list-style:none}
.steps:before{content:"";position:absolute;top:30px;left:12%;right:12%;height:2px;background:var(--line)}
.step{text-align:center;padding:0 16px;position:relative}
.step .n{width:60px;height:60px;border-radius:50%;background:var(--lime);color:var(--deep);font-family:var(--f-head);font-weight:700;font-size:22px;display:flex;align-items:center;justify-content:center;margin:0 auto 16px;position:relative;z-index:2}
.step h3{font-size:17px;margin-bottom:6px}
.step p{font-size:15px;color:var(--muted)}
.groups{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.group{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.group h3{font-size:18px;margin-bottom:10px;color:var(--green)}
.group ul{list-style:none}
.group li{border-top:1px solid var(--line)}
.group li a{display:block;padding:9px 0;font-weight:600;text-decoration:none;color:var(--ink)}
.group li a:hover{color:var(--green);text-decoration:underline}
.insurepanel{background:var(--deep);color:var(--white);border-radius:16px;padding:32px;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center}
.insurepanel h3{font-size:24px;margin-bottom:8px;color:var(--lime)}
.insurepanel p{font-size:16px;color:var(--pale);max-width:640px}
.areas{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;list-style:none}
.areas li{background:var(--white);border:1px solid var(--line);padding:12px 14px;border-radius:10px;font-weight:600;font-size:15px;text-align:center}
.areas li a{color:var(--ink);text-decoration:none;display:block}
.areas li a:hover{color:var(--green);text-decoration:underline}
.ctaband{background:var(--deep);color:var(--white);padding:58px 0;text-align:center}
.ctaband h2{font-size:36px;margin-bottom:8px}
.ctaband p{font-size:18px;margin:0 auto 24px;color:var(--pale);max-width:640px}
/* two-column article pages */
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:48px;align-items:start}
article,.prose{min-width:0}
.prose h2{font-size:28px;margin:44px 0 14px}
.prose>h2:first-child{margin-top:0}
.prose h3{font-size:20px;margin:28px 0 10px}
main p+p{margin-top:14px}
.prose h2+p,.prose h3+p{margin-top:14px}
.prose p{margin-top:14px}
.prose h2+*,.prose h3+*{margin-top:14px}
.prose ul,.prose ol{margin:14px 0 0 22px}
.prose li{margin-top:7px}
.prose li+li{margin-top:7px}
.tablewrap{overflow-x:auto;margin-top:16px;border:1px solid var(--line);border-radius:var(--radius)}
.tablewrap table{border-collapse:collapse;width:100%;min-width:560px;font-size:15.5px}
.tablewrap th{background:var(--deep);color:var(--white);text-align:left;font-family:var(--f-head);font-size:13px;text-transform:uppercase;letter-spacing:.04em;padding:13px 16px}
.tablewrap td{padding:13px 16px;border-top:1px solid var(--line);vertical-align:top}
.tablewrap tr:nth-child(even) td{background:#F6FBF8}
.tablewrap td:first-child{font-weight:700;color:var(--deep)}
.callout{background:var(--mint);border-left:5px solid var(--green);border-radius:0 var(--radius) var(--radius) 0;padding:20px 24px;margin-top:22px}
.callout h3{margin:0 0 8px;font-size:18px}
.callout p{margin-top:8px}
.callout p:first-of-type{margin-top:0}
.callout.warn{background:#FFF8E6;border-left-color:#B7791F}
.callout.warn h3{color:#6B4A0C}
.callcta{background:var(--deep);color:var(--white);border-radius:var(--radius);padding:24px 26px;margin-top:28px;display:flex;gap:18px 24px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.callcta p{margin:0;max-width:430px;color:var(--pale);font-size:16px}
.callcta strong{color:var(--lime);display:block;font-family:var(--f-head);font-size:19px;margin-bottom:4px}
.prepcards{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-top:18px}
.prepcard{background:var(--white);border:1px solid var(--line);border-top:4px solid var(--lime);border-radius:12px;padding:18px 20px}
.prepcard h3{margin:0 0 6px;font-size:16.5px}
.prepcard p{margin:0;font-size:15.5px;color:var(--muted)}
.sidecard{position:sticky;top:24px;align-self:start;background:var(--white);border:1px solid var(--line);border-top:5px solid var(--lime);border-radius:var(--radius);padding:24px;box-shadow:0 12px 30px rgba(9,63,42,.08)}
.sidecard .kick{display:block;margin-bottom:8px;color:var(--green)}
.sidecard h3{font-size:20px;margin-bottom:8px}
.sidecard p{font-size:15.5px;color:var(--muted);margin:0 0 14px}
.sidecard .btn{width:100%;margin-bottom:16px}
.sidecard ul{list-style:none;margin:0 0 14px}
.sidecard li{padding:7px 0 7px 26px;position:relative;border-top:1px solid var(--line);font-size:15px;font-weight:600;margin:0}
.sidecard li:before{content:"\2713";position:absolute;left:0;color:var(--green);font-weight:800}
.sidecard .sidelink{font-size:15px;margin:0}
.sidecard .sidelink a{font-weight:700}
.localnote{background:var(--mint);border:1px solid var(--line);border-radius:var(--radius);padding:22px 24px;margin-top:28px}
.localnote h2{margin:0 0 10px;font-size:22px}
.byline{font-size:14.5px;color:var(--muted);margin-top:0}
/* faq */
.faq{margin-top:16px}
.faq details{border:1px solid var(--line);border-radius:12px;background:var(--white);margin-top:10px}
.faq summary{cursor:pointer;list-style:none;padding:16px 20px;font-weight:700;font-family:var(--f-head);font-size:16.5px;display:flex;justify-content:space-between;gap:14px;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";font-size:22px;color:var(--green);flex:0 0 auto}
.faq details[open] summary:after{content:"\2212"}
.faq details>div{padding:0 20px 18px}
.faq details>div p{margin-top:10px}
.faq details>div p:first-child{margin-top:0}
/* blog */
.blogs{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;list-style:none}
.blogcard{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column}
.blogcard img{width:100%;aspect-ratio:16/9;object-fit:cover}
.blogcard .bc{padding:18px 20px 22px}
.blogcard h3{font-size:18px;margin-bottom:8px}
.blogcard h3 a{text-decoration:none;color:var(--ink)}
.blogcard h3 a:hover{color:var(--green);text-decoration:underline}
.blogcard p{font-size:15px;color:var(--muted)}
/* map */
.mapsec{background:var(--mint);padding:48px 0;border-top:1px solid var(--line)}
.mapsec h2{font-size:26px;margin-bottom:6px}
.mapsec p{color:var(--muted);margin-bottom:18px;max-width:720px}
.mapsec iframe{width:100%;height:360px;border:0;border-radius:var(--radius);background:var(--line)}
.mapinline iframe{width:100%;height:320px;border:0;border-radius:var(--radius);margin-top:16px;background:var(--line)}
/* footer */
.site-footer{background:var(--white);border-top:1px solid var(--line);padding:50px 0 34px;font-size:15px}
.site-footer .fgrid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr 1fr;gap:28px}
.site-footer h2{font-size:15px;margin-bottom:12px;color:var(--ink)}
.site-footer p{color:var(--muted);margin-top:8px}
.site-footer ul{list-style:none}
.site-footer a{color:var(--muted);text-decoration:none;display:block;padding:3px 0}
.site-footer a:hover{color:var(--green);text-decoration:underline}
.site-footer .logo-link{margin-bottom:10px}
.site-footer address{font-style:normal;color:var(--muted)}
.site-footer address a{display:inline;color:var(--green);font-weight:700}
.legal{border-top:1px solid var(--line);margin-top:30px;padding-top:18px;font-size:14px;color:var(--muted);display:flex;gap:10px 22px;flex-wrap:wrap;justify-content:space-between}
.legal a{display:inline;padding:0}
/* sticky call */
.stickybar{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--deep);z-index:90;padding:12px 16px;box-shadow:0 -6px 20px rgba(0,0,0,.18)}
.stickybar a{display:flex;align-items:center;justify-content:center;gap:8px;color:var(--lime);font-weight:700;font-size:16px;text-decoration:none}
.floatcall{position:fixed;right:22px;bottom:22px;width:56px;height:56px;border-radius:50%;background:var(--lime);color:var(--deep);display:flex;align-items:center;justify-content:center;z-index:80;box-shadow:0 8px 22px rgba(9,63,42,.35);text-decoration:none}
.floatcall svg{width:26px;height:26px}
.floatcall:hover{background:var(--lime-d)}
.nf{padding:90px 0;text-align:center}
.nf h1{font-size:44px;margin-bottom:14px}
.legalpage article{max-width:820px}
.contactgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin-top:18px}
.infobox{border:1px solid var(--line);border-radius:var(--radius);padding:20px 22px;background:var(--white)}
.infobox h3{margin:0 0 6px;font-size:17px}
.infobox p{margin:0;color:var(--muted)}
@media(max-width:1100px){.dropmenu.wide{grid-template-columns:repeat(3,200px);transform:translateX(-70%)}.navlist>li>a,.navlist>li>button{padding:10px 8px;font-size:14.5px}}
@media(max-width:900px){
.navlist{display:none}
.menu-toggle{display:flex}
.site-header .wrap .btn-sm{display:none}
.hero .wrap{grid-template-columns:1fr;gap:30px}
.hero h1{font-size:34px}
.pagehead h1{font-size:30px}
.cards,.groups,.blogs{grid-template-columns:1fr 1fr}
.why{grid-template-columns:1fr 1fr}
.steps{grid-template-columns:1fr 1fr;row-gap:26px}
.steps:before{display:none}
.areas{grid-template-columns:1fr 1fr}
.insurepanel{grid-template-columns:1fr}
.twocol{grid-template-columns:1fr;gap:34px}
.sidecard{position:static}
.site-footer .fgrid{grid-template-columns:1fr 1fr}
.prepcards,.contactgrid{grid-template-columns:1fr}
}
@media(max-width:760px){
.stickybar{display:block}
body{padding-bottom:64px}
.floatcall{display:none}
}
@media(max-width:560px){
.cards,.groups,.blogs,.why,.steps,.areas{grid-template-columns:1fr}
.logo-link img{width:196px;height:37px}
.hero{padding:54px 0 48px}
.sec{padding:52px 0}
.sec h2.sech{font-size:28px}
.ctaband h2{font-size:28px}
.prose h2{font-size:25px}
.site-footer .fgrid{grid-template-columns:1fr}
.topbar .wrap{justify-content:center;text-align:center}
.cta-row .btn{width:100%}
}
/* wide single-column prose */
.prose.widecol{max-width:860px;margin-left:auto;margin-right:auto}
/* long email addresses must wrap on narrow phones */
.fgrid>div{min-width:0}
.site-footer a,.site-footer address,.callout p,.prose p,.prose li,.infobox a{overflow-wrap:anywhere}
/* links inside dark hero/pagehead leads */
.hero p.lead a,.pagehead p.lead a{color:var(--lime);text-decoration:underline;text-underline-offset:3px}
.topbar a{white-space:nowrap}
@media (max-width:380px){.stickybar a{font-size:14px;gap:6px}}
.dropmenu .dcol{list-style:none}
.hero h1,.pagehead h1{font-size:clamp(30px,5vw,46px)}
.blogcard h2{font-size:19px;margin:0 0 8px}
.blogcard h2{font-size:18px;margin:0 0 8px}
.blogcard h2 a{text-decoration:none;color:var(--ink)}
.blogcard h2 a:hover{color:var(--green);text-decoration:underline}